Personal Finance Print

Financial Planning: Check your risk tolerance level before investing

Often, many think that they are aggressive investors but, in reality, they behave like moderate investors. So, in this process they end up selling some shares when the market falls.

Home Finance: You can’t get PMAY subsidy if you are demolishing your old house and building a new one

My brother lives in a 30-year-old house which he bought 10 years ago with his wife as co-owner and co-borrower.

How to get a short-term loan? Check this easy guide

There may be months in which you run out of money even as you wait for your next salary to arrive.

NIIT Technologies Rating: A better-than-expected first quarter

NIIT Technologies (NITEC) reported a better than expected Q1FY19 on revenue growth and order intake though margin execution was a bit lower than our expectations.

Income Tax: Use ITR4 for business income offered to tax on presumptive basis, else file ITR3

Taxability of income as business income or other income depends upon regularity of transaction, volume of transactions and time and efforts devoted based on various judicial precedents.

HDFC Bank Rating: Weaker top-line offset by cost control

NII growth trajectory weakened to a low point last witnessed in FY14, driven by 20bp lower NIM (time deposits grew rapidly), offset by a reduction in the cost-to-asset ratio and higher fees. Retain Bu

Mutual Funds: How recategorisation of MF schemes impacts mid and small-cap funds

In the current year, investors are noticing a strange thing in the financial services space. While the 30-share Sensex is hitting a new high , the portfolio of most investors is not reflecting the sam

Embedded value: Policyholders can question the LIC-IDBI Bank deal

Life insurers make money by investing the surplus that they accumulate every year and maintain this in a separate account known as Life Fund. The surplus is the difference between income and expenditu

Financial sector can give high long-term returns

Most investors seek long period growth at justifiable valuations as the best combination. The financial sector offers the same in a better manner as compared to most other sectors for reasons listed b

Income Tax Return: Common mistakes to avoid while filing ITR-1

The income tax department issues different Income Tax Return forms (ITR) every year for varied categories of the taxpayers depending on their source of income.

Life Insurance: Protection policies drive new premium

This year will be moderate for ULIP inflows though focus on the protection business will continue to drive value of new business for large insurers.

Income Tax Return: How to choose the right ITR to report salary, freelance income – Explained here

Under the Income Tax Act, 1961, income earned during the year must be classified under appropriate heads for the purposes of computation of taxable income.

Top three ways to reduce your home loan burden

Most banks have increased the interest rate for home loan for both new and existing borrowers.

Income Tax: Benefit of capital gains not available on commercial property

Benefit of capital gains not available on commercial property

Income Tax: Did you get notice under Section 143(1) (a) of I-T Act? Here is what it means

As per latest amendments and provisions of the Income Tax Act, 1961 with the Assessment Year 2018-19, there are various new provisions related to income tax proceedings and assessment procedure being

Investment planning: Asset allocation key to achieving goals

Asset allocation helps an investor to build well-diversified investment portfolios that aim to deliver higher risk- and inflation-adjusted returns.

Debt outlook: Keep a longer timeframe; possibility of losses in short term

Indian bond yields continued its upward march posting an eleventh monthly rise in the last 12 months. A sharp uptick in inflation, higher crude oil prices and weaker rupee against the dollar reinforce

Life Insurance: Can you extend the period of a term plan? Here is the answer

An insurance policy is a contract that you agree to at the time of the policy purchase.

Cigna 360° Well-Being Survey: Work & finances top reasons for stress

For most Indians, work and finances are the reasons for stress and one in two respondents in India plan to finance their medical expenses in old age from their savings, followed by insurance.

Income Tax: Explained – How you can benefit from LTA & HRA tax exemptions

Leave travel allowance and house rent allowance are two of the simplest ways in which a salaried employee can save tax

CIBIL Score: Top tips to ensure a healthy credit footprint

If your credit score is under 760, you will have to work towards building a better credit profile

Motor insurance: You need a PUC certificate to renew insurance

After last year’s Supreme Court order, Irdai has now mandated that every vehicle must have a valid PUC certificate on the date of renewal of motor insurance policy

Income Tax: Carry forward excess TDS for one month to next year

Under the income-tax provisions, tax credit is to be claimed in the year in which the income is offered for taxation.

Equity outlook: As valuations look wobbly, stick to SIP

During the month of June, S&P BSE Sensex appreciated 0.50% on total return basis. S&P BSE Mid cap and S&P BSE Small cap indices continued their declining trend.

Do you know about these alternate investment options? Check them out

Apart from debt and equity investments, retail investors can look at Alternative Investment Funds, commodities, real estate and gold to further diversify their investment portfolio

Explained: How your residential status determines tax incidence 

Tax incidence on a taxpayer in India depends upon his residential status.

Life Insurance: Term plan can be bought only by an earning individual

A term plan is issued to a person who is earning. Both the proposer of the policy and the life to be insured has to be the same person.

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